M-Pesa loans — money where you already keep it
Brisk disburses to M-Pesa and collects through M-Pesa. No bank account is required at any point, which is the whole point for most Kenyan traders.
Disbursement
Once approved, funds are sent to the M-Pesa number you applied with. That number must be registered in your own name — this is a fraud-prevention requirement and it is not waived.
Repayment
Repay through M-Pesa Paybill 4106969, using your national ID number as the account number. Part-payments are accepted through the cycle; what matters is clearing before your due date.
No bank account needed
From application to final repayment, the entire loan runs on your phone.
Loan terms at a glance
| Product | Who it is for | Rate (30-day cycle) |
|---|---|---|
| Shaba | Individual business owners | 30% · 21% if repaid by day 21 |
| Shaba Kilimo | Women & youth farmer groups | 10% flat |
| Shaba Rider | Boda boda riders | 30% · 21% if repaid by day 21 |
All products: KSh 5,000–100,000 · unsecured · one-off KSh 500 registration fee, never deducted from the loan · disbursed to M-Pesa · repaid via Paybill 4106969.
Apply now